Terms of Service | The Insumer Model™

1. Acceptance of Terms

By accessing or using The Insumer Model™ website, applications, and services (collectively, the "Platform"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not access or use the Platform.

We reserve the right to modify these Terms at any time. Continued use of the Platform after changes constitutes acceptance of the modified Terms.

2. Description of Service

The Insumer Model™ provides a platform that enables:

InsumerAPI: A REST API for privacy-preserving verification of on-chain state across 32 blockchain networks (30 EVM chains, Solana, and XRPL). Supports token balance checks, NFT ownership, EAS attestation credentials, trust profiles, and compliance templates. Returns ECDSA P-256 signed attestations, optionally as ES256 JWTs, verifiable offline via JWKS. Public keys published at /.well-known/jwks.json.
Agent SDKs: Pre-built integrations (MCP server, LangChain toolkit, ElizaOS plugin, OpenAI GPT) that allow AI agents to interact with the Platform programmatically.
Token & NFT Holders: Connect cryptocurrency wallets, prove token or NFT ownership, and receive discounts at participating merchants via QR code, NFC, or browser extension.
Merchants: Configure discount tiers based on token holdings and verify customer ownership at point-of-sale, online checkout, or via NFC tags at physical locations.
Autonomous Key Provisioning: AI agents and software systems can obtain API keys by submitting a USDC payment on a supported blockchain, with no human registration required.
Community Bot: A Telegram bot (@insumermodelbot) that answers questions about the Platform.

The Platform reads publicly available blockchain data to verify on-chain state but does not custody, transfer, or control any cryptocurrency or tokens.

3. Eligibility

You must be at least 18 years old and capable of forming a binding contract to use the Platform. By using the Platform, you represent and warrant that you meet these requirements.

4. User Accounts

Wallet Connection

To access certain features, you must connect a compatible cryptocurrency wallet. You are solely responsible for:

Maintaining the security of your wallet and private keys
All activities that occur through your connected wallet
Ensuring you have rightful ownership of connected wallets

Merchant Accounts

Merchants who register on the Platform agree to:

Provide accurate business information
Honor the discount tiers they configure
Use the Platform in compliance with applicable laws

API Accounts

Developers who register for an InsumerAPI key agree to:

Provide a valid email address
Keep their API key confidential and not share it publicly
Stay within the rate limits of their subscription tier
Not reverse-engineer individual wallet balances from standard (boolean) API responses. Merkle proof responses explicitly include raw balances by design for independent verification.
Not resell API access to third parties

By generating an API key or purchasing credits, you confirm that you have read and agree to these Terms. Free tier accounts are limited to one key per email address. Paid tiers require an active Stripe subscription. Keys may be revoked for violations of these Terms.

5. Acceptable Use

You agree NOT to:

Use the Platform for any unlawful purpose or in violation of any laws
Attempt to gain unauthorized access to the Platform or its systems
Interfere with or disrupt the Platform's operation
Use false information or impersonate others
Attempt to manipulate token holdings or verification processes
Use automated systems to access the Platform without permission, except through the InsumerAPI with a valid API key
Circumvent any security measures or access controls
Use the Platform to launder money or finance illegal activities

6. API Terms

API Access and Keys

The InsumerAPI is available in three tiers:

Free ($0/month): 100 reads per day, 10 verification credits
Pro ($29/month): 1,000 verification credits per month
Enterprise ($99/month): 5,000 verification credits per month

Verification credits are consumed by POST requests: POST /v1/attest costs 1 credit (2 with Merkle proofs), POST /v1/trust costs 3 credits (6 with Merkle proofs), and POST /v1/trust/batch costs 3 credits per wallet (6 with Merkle proofs). GET requests are free and count against daily read limits. Additional credits may be purchased with USDC, USDT, or BTC.

Rate Limits

Each tier has daily request limits. When you exceed your limit, the API returns a 429 response. Rate limit headers are included in every response so you can monitor your usage.

Paid Subscriptions

Paid tiers are billed monthly through Stripe. Verification credits are replenished each billing cycle (Pro: 1,000, Enterprise: 5,000) and unused credits roll over to the next month. Monthly subscription fees are non-refundable, including if you cancel mid-cycle. You may cancel at any time to prevent future charges, but no prorated refund is issued for the remaining period. When a subscription ends, the associated API key is revoked and returns a 401 response. Unused verification credits do not expire while your key is active but are forfeited upon key revocation.

We may adjust subscription pricing with at least 30 days' written notice (via email to the address on file). Continued use of a paid tier after the new pricing takes effect constitutes acceptance. If you do not agree to the new pricing, you may cancel before the next billing cycle.

Crypto Payments

Additional credits may be purchased on-chain by sending USDC, USDT, or BTC to the platform wallet and submitting the transaction hash via POST /v1/credits/buy. Supported stablecoin chains: Ethereum, Base, Polygon, Arbitrum, Optimism, BNB Chain, Avalanche, and Solana. BTC accepted on Bitcoin (requires 1 confirmation; converted to USD at the market rate at time of verification). Volume discounts apply to larger deposits. Crypto sent on unsupported chains or to the wrong address cannot be recovered. All crypto credit purchases are final, non-refundable, and non-transferable.

Your first crypto credit purchase registers the on-chain sender wallet address to your API key. Subsequent purchases must originate from the same wallet. To change your registered wallet, include updateWallet: true in the purchase request along with a verified transfer from the new address.

Verification Responses

API verification responses are signed with ECDSA P-256 and include a timestamp. Each response is a point-in-time check of the blockchain. There is no guarantee that conditions remain the same after a verification is issued.

When Merkle storage proofs are requested (proof="merkle"), the response includes raw on-chain balance data and EIP-1186 Merkle proofs that can be independently verified against public block headers. By requesting Merkle proofs, you acknowledge that raw balance data will be returned and that this is an explicit opt-in to balance disclosure for the queried wallet.

AI Agent Usage

AI agents may access the InsumerAPI with a valid API key. The account holder is responsible for all actions taken by agents operating under their key, including merchants created, credits purchased, and verifications requested.

7. Intellectual Property

The Platform, including its design, text, graphics, logos, and software, is owned by The Insumer Model™ and protected by intellectual property laws. "The Insumer Model" is a trademark of Douglas Borthwick.

Certain technology underlying InsumerAPI is the subject of one or more United States patent-pending applications, including Application No. 19/573,671.

Use of the Platform does not grant any license, express or implied, to any underlying intellectual property of The Insumer Model LLC beyond the right to access and use the API as described herein.

8. Third-Party Services

The Platform integrates with third-party services including blockchain networks, wallet providers, and data services. We are not responsible for:

The availability or accuracy of third-party services
Blockchain network congestion, fees, or failures
Actions of wallet providers or their security
Token price fluctuations or market conditions

The Platform uses third-party services including Stripe for subscription payment processing, Alchemy, Helius, and Covalent (GoldRush) for blockchain data queries, Firebase for real-time data synchronization, Anthropic for AI-powered chat responses, CoinGecko for token metadata, Cloudflare for DNS and security, and Google Analytics for anonymized website traffic analysis. Your use of third-party services is subject to their respective terms and policies.

9. Disclaimers

THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED.

We do not warrant that:

The Platform will be uninterrupted, secure, or error-free
Results obtained from the Platform will be accurate or reliable
Any errors will be corrected

Not Financial Advice: Nothing on the Platform constitutes financial, investment, legal, or tax advice. Token ownership and cryptocurrency involve substantial risk. Consult qualified professionals before making financial decisions.

No Guarantee of Discounts: Discount availability depends on merchant participation and configuration. We do not guarantee any specific discounts or merchant acceptance.

API Accuracy: Verification responses reflect blockchain state at the time of the request. Results may be delayed due to network congestion, RPC provider issues, or caching (up to 5 minutes). We do not guarantee real-time accuracy of API responses.

No SLA: The Platform does not offer service level agreements (SLAs) unless separately agreed to in writing. Uptime, response time, and availability targets referenced in documentation or marketing materials are goals, not guarantees.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE INSUMER MODEL™, ITS CREATORS, AFFILIATES, AND SERVICE PROVIDERS SHALL NOT BE LIABLE FOR:

Any indirect, incidental, special, consequential, or punitive damages
Loss of profits, data, or goodwill
Unauthorized access to or alteration of your data
Actions or omissions of third parties
Any amount exceeding $100 USD

Some jurisdictions do not allow limitation of liability, so some of the above may not apply to you.

11. Indemnification

You agree to indemnify and hold harmless The Insumer Model™, its creators, affiliates, and service providers from any claims, damages, losses, or expenses (including legal fees) arising from:

Your use of the Platform
Your violation of these Terms
Your violation of any rights of another party
Your violation of any applicable laws

12. Termination

We may suspend or terminate your access to the Platform at any time, with or without cause, and with or without notice. Upon termination:

Your right to use the Platform ceases immediately
Provisions that by their nature should survive will continue to apply

You may stop using the Platform at any time by disconnecting your wallet.

For API users, termination means revocation of your API key. You may self-revoke by canceling your subscription. Once revoked, API keys cannot be reactivated.

13. Dispute Resolution

Any disputes arising from these Terms or the Platform shall be:

First attempted to be resolved through good-faith negotiation
Subject to binding arbitration if negotiation fails
Governed by the laws of the State of Delaware, USA

You waive any right to participate in class action lawsuits against The Insumer Model™.

14. General Provisions

Entire Agreement: These Terms constitute the entire agreement between you and The Insumer Model™ regarding the Platform.
Severability: If any provision is found unenforceable, the remaining provisions continue in effect.
No Waiver: Failure to enforce any provision does not waive the right to enforce it later.
Assignment: You may not assign your rights under these Terms without our consent.

15. Contact Information

For questions about these Terms, please contact us:

Email: support@insumermodel.com
Website: insumermodel.com/contact

Last Updated: March 20, 2026